Harrisburg Housing Market: Current Inventory and Trends (March 2026)

The Harrisburg, Pennsylvania housing market continues to be competitive, with limited inventory impacting both buyers and sellers. As of March 22, 2026, understanding the current conditions – including mortgage rates and the number of homes available – is crucial for anyone considering a move in the Harrisburg metro area.

Current Mortgage Rates in Harrisburg, PA

Several lenders are currently offering 30-year fixed mortgage rates in Harrisburg. Here’s a snapshot of rates as of today, March 22, 2026:

• Truist: 6.12% APR (6.33%) with 0.991 points
• Citizens Bank: 6.25% APR (6.35%) with 0.500 points
• Citizens Bank: 6.38% APR (6.46%) with 0.375 points (includes 0.125% autopay and paperless discount)
• Truist: 6.38% APR (6.58%) with 0.963 points
• American Heritage Federal Credit Union: 5.69% APR (5.75%) with 0.000 points
• First Heritage Federal Credit Union: 5.62% APR (5.84%) with 2.000 points
• First Heritage Federal Credit Union: 5.75% APR (5.88%) with 1.000 points

Source: MonitorBankRates.com

Housing Inventory in Harrisburg – February 2026

Finding a home in Harrisburg remains challenging due to limited supply. According to Redfin Real Estate, the housing market data for February 2026 shows:

• Months of Supply: 2.0 months
• Active Listings: 1,673,546 nationwide
• Months of Supply (Nationwide): 3.8 months

Source: MSN.com (via Redfin data)

The Impact of the Pandemic Housing Boom

The current housing shortage is a direct result of the pandemic housing boom, which saw record-low mortgage rates drive up demand and deplete available housing stock. The New York Fed’s Liberty Street Economics notes that strong household balance sheets and increased demand for housing also contributed to this surge in activity.

Looking Ahead

While housing supply varies across the country, Harrisburg remains a competitive market. Potential homebuyers should be prepared for a quick-paced search and consider working with a local real estate agent to navigate the current conditions. Monitoring mortgage rates and staying informed about new listings will be key to success in the Harrisburg housing market.